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Ripple Joins SWIFT’s Certified Partner Program, Gaining Access to a $150 Trillion Network

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Brian Armstrong's Bold Prediction: AI Agents Will Soon Dominate Global Financial

TLDR:

  • Ripple Treasury is officially listed in SWIFT’s Certified Partner Program and confirmed on both directories.
  • Banks using Ripple Treasury can now access SWIFT’s Alliance Lite2 messaging network directly. 
  • Ripple’s platform supports SWIFT, EBICS, SFTP, APIs, combining legacy and blockchain rails in one.
  • Rather than replacing SWIFT, Ripple positions itself as the bridge between old and new finance.

Ripple has officially joined SWIFT’s Certified Partner Program, marking a notable shift in how the blockchain payments company positions itself within the global financial system.

Rather than replacing SWIFT, Ripple Treasury now operates as a certified partner inside the network. This move gives banks access to both legacy and blockchain payment rails through a single platform.

The development has drawn renewed attention to Ripple’s long-term strategy in the institutional payments space.

Ripple Treasury Gains Direct Access to SWIFT’s Messaging Network

Banks using Ripple Treasury can now connect to SWIFT’s Alliance Lite2 messaging network directly. They no longer need separate SWIFT infrastructure to access the network. This is confirmed on both Ripple’s partner page and SWIFT’s official partner directory.

Through this integration, users also get access to SWIFTRef data inside the platform. This covers IBAN lookups and ABA routing lookups built into payment workflows. These tools are standard requirements for institutions processing cross-border transactions daily.

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Ripple Treasury supports multiple connectivity options alongside SWIFT. These include EBICS, SFTP, APIs, and alternative networks. Together, they give financial institutions a flexible, consolidated payments infrastructure under one platform.

One Platform Now Bridges Legacy Banking and Blockchain Rails

The integration positions Ripple as a bridge between traditional finance and blockchain-based payments. Banks no longer face a binary choice between old and new systems. Both options are now available through a single interface.

SWIFT processes approximately $150 trillion in transactions annually. Ripple now sits within that network while also developing its own blockchain payment alternative. This dual positioning is a calculated move in a competitive institutional market.

For banks, the practical outcome is reduced operational complexity. Connecting to two separate systems traditionally required significant infrastructure investment. With Ripple Treasury’s SWIFT certification, that barrier is considerably lower.

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The development represents a maturation in how blockchain companies approach institutional adoption. Instead of positioning purely as a disruptor, Ripple has taken a complementary route.

That strategy may prove more effective in driving real-world adoption among regulated financial institutions.

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Crypto World

ProductionReady’s Jimmy Song Pitches Case for Conservative Bitcoin Software

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Decentralization, Nodes, Bitcoin Adoption

The Bitcoin (BTC) network needs a “conservative” Bitcoin client node software implementation to preserve its monetary properties and strengthen network decentralization, according to Jimmy Song, co-founder of ProductionReady, a non-profit organization funding open source Bitcoin node software development and education.

The organization has a “bias” against significant code changes, unless there is “overwhelming” community support for the change, Song told Cointelegraph.

“The general principle is: if you’re not sure a change makes the money better, don’t make it,” he said. 

Decentralization, Nodes, Bitcoin Adoption
The number of Bitcoin nodes, broken down by software implementation, between 2016 and 2026. Source: Coin Dance

ProductionReady expects to restore the 83-byte OP_Return data limit for arbitrary, non-monetary information in Bitcoin transactions, he said, adding that keeping node storage costs down by limiting arbitrary data is essential to network decentralization. He said:

“The more self-sovereign Bitcoin users are, the more decentralized and resilient the network becomes. That means keeping the cost of running a node low enough for ordinary people to do it. 

“When storage and bandwidth requirements grow, fewer people verify for themselves, and the network centralizes by default. A conservative client takes that tradeoff seriously,” Song continued.

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Maximizing nodes and making them accessible to the average user hardens the Bitcoin network, reducing the chances of cheating by submitting false transactions or a few actors colluding to centralize the network. 

Decentralization, Nodes, Bitcoin Adoption
Bitcoin Core continues to be the software of choice for node runners, with 77.8% of the network running some version of the Core software and 21.8% running Bitcoin Knots. Source: Coin Dance

Related: 72% of subsea cables would need to fail to impact Bitcoin, study shows

Bitcoin Core 30 removes the OP_Return data limit, sparking major pushback

Node storage and onchain spam became hot-button topics in 2025 after Bitcoin Core developers unilaterally changed the 83-Byte data limit in Bitcoin Core version 30, the latest major upgrade to the reference implementation for Bitcoin node software.

The limit was changed to 100,000 bytes despite significant pushback from the Bitcoin community. For context, the proposal to change the limit received about 4 times as many downvotes as it did upvotes, according to the proposal’s GitHub pull request page.

Bitcoin Core 30 went live in October 2025, triggering a historic surge in the number of Bitcoin nodes running Bitcoin Knots, an alternative implementation of the node client software.

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Decentralization, Nodes, Bitcoin Adoption
The number of nodes running Bitcoin Knots surged to record highs in 2025, following the release of Bitcoin Core 30. Source: Coin Dance

There are 4,746 Bitcoin Knots nodes, representing over 21.7% of nodes on the network, according to Coin Dance.

Only about 1% of the network was running the Knots software in 2024 before the decision to remove the OP_Return function was announced.

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